| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAUNDERS BENEFITS CONSULTING, LLC3 Filed as: SAUNDERS & COMPANY INC | 233 EAST BAY STREET, SUITE 630 JACKSONVILLE, FL 32202 | AETNA LIFE INSURANCE CO. | $88K | $7K | $95K | 14.84% |
| SAUNDERS BENEFITS CONSULTING, LLC3 Filed as: SAUNDERS & COMPANY | 233 E BAY ST, SUITE 630 JACKSONVILLE, FL 32202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $598 | $6K | 16.43% |
| SAUNDERS BENEFITS CONSULTING, LLC3 | 233 E BAY ST, SUITE 630 JACKSONVILLE, FL 32202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $93 | — | $93 | 0.27% |
| MACDOUGALL BENEFITS LLC3 | 613 S POKEBERRY PLACE ST JOHNS, FL 32259 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $2K | $4K | 30.89% |
| SAUNDERS BENEFITS CONSULTING, LLC3 Filed as: SAUNDERS & COMPANY | 233 E BAY ST JACKSONVILLE, FL 32202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $210 | $3K | 26.56% |
| RLH GROUP INC3 | 2632 LOOPRIDGE DR ORANGE PARK, FL 32065 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.06% |
| THOMAS WALLACE JR3 | PO BOX 3654 PONTE VEDRA, FL 32004 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.03% |
| RANDALL HALLMAN3 | 2632 LOOPRIDGE DR ORANGE PARK, FL 32065 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.03% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 724 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 15 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 739 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 67 | $12K |
| Vision | AETNA LIFE INSURANCE CO. | 1,249 | $637K |
| Life insurance | AETNA LIFE INSURANCE CO. | 1,249 | $637K |
| Long-term disability | AETNA LIFE INSURANCE CO. | 1,249 | $637K |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 1,249 | $672K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,249 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.